Once every 12 months consumers can receive from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion a free copy of their credit report. This report will show all open credit lines, paid lines from the last 7 years, negative items (Will be posting on how to dispute these items later), any time that your credit has been pulled in the last 12 months, and your personal information.
It is very important that consumers review their credit report every year to make sure that there aren't any errors. Most reports have at least one error on it, this may be minor like a incorrect address or it could be major like a credit card that isn't yours with missed payments. Take the time to order your free report today at this site (free credit reports).
Remember these reports are what creditors use to decide how high or low your interest rate will be and now insurance companies are using it as a factor for your insurance rates.